Amr Refaat

-Assist the Regional manager in managing and developing the SMEs portfolio.
-Manage members in my team.
-Ensure the right implementation of the business plans, and the achievement of the targets by attracting new business opportunities in order to expand the portfolio.
-Manage, develop, enhance utilization and maximize account profitability of the existing portfolio.
-Prepare and review credit packages; completed the basic information in facility reviews, spreading and analyzing financial reports and statistics for management review. -Address the credit risk issues, queries and identify any early warning signs.
-Propose the credit memos to the assigned committee.

-Grow sustainable revenues from existing relationships and through acquisition of new customers in line with the Bank's risk appetite and policies.
-Structure credit facilities to provide optimum balance between customer requirements, Bank's interest and risk appetite, providing decisive responses to customers where interest and/or appetite is not aligned.
- Preparation of credit proposal including full study about the company’s financial statements (which required spreading, forecasting and financial analysis), management performance, capital structure, collateral and cash flow to realize the amount needed and the repayment period of the loan.
- Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.

April 2013- Present Arab Investment Bank

June 2014- Present Corporate Relationship Manager

- Preparation of credit proposal including full study about the companys financial statements (which required spreading, credit and financial analysis), management performance, capital structure, collateral and cash flow to realize the amount needed and the repayment period of the loan.
- Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.
- Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.

April 2013- may 2014
Credit review officer
-Reviews, monitors and provides loan recommendations
that are properly structured and accurately risk graded
; provides loan grade change recommendations and documentation supporting all such changes.
-Structure and negotiate financing proposals/commitments, and prepare comprehensive written loan packages for approval by management.
-Evaluate the overall credit worthiness and repayment
capacity of a borrower, including analyzing financial
statements.
-Communicate results of loan reviews and/or portfolio
trends with objective assessments of credit quality as required.
-Determine that credits are being properly administered in accordance with credit approval authorizations and documented loan terms.
-Evaluate individual loans to ensure that acceptable credit
standards are maintained and that loans conform to established policies, standards and regulatory requirements.

Nov 2010 - March 2013 Misr Iran Development Bank - Egypt.

Corporate officer
Duties & responsibilities: - Preparation of credit proposal and financial analysis.
- Analyzing the gathered data about the clients.
- Financing working capital: * Revolving facilities (commercial papers, assigned
contracts, export documents, local purchasing orders)
* Credit facilities for issuance L/Cs & L/Gs.
- Trading on the administration to grant credit facilities to guarantee mortgage securities.
-To determine customer service needs and prepare proposals to sell services that addresses these needs.
-To contact prospective customers to present information and explain available services.
-Activate and expand business relations with existing clients with whom strategy is to grow.

Summer Internship in Network Services Center Department

Summer Internship
Customer Services Department

Summer Internship
Retail Department